Home-Guard Policy


Property Coverages


  • The dwelling located on the described premises
  • Construction materials at the premises for use with your dwelling

Other Structures

  • Other structures located on the premises
  • Construction materials at the premises for use with other structures
  • Sidewalks and driveways
  • Privacy or decorative fences

Personal Property

  • Personal property located at the premises
  • Automatic coverage for personal property temporarily away from premises

Additional Living Expenses and Loss of Rents

  • Covers the increase in your living expenses while your property is being repaired or replaced
  • Covers the loss of rents you might incur while the rented portion of the premises is unfit to occupy

Additional Coverages

  • Debris removal
  • Reasonable repairs after a covered loss
  • Trees, shrubs and other plants – specified perils
  • Credit card
  • Loss assessment
  • Collapse
  • Fire department service charge
  • Property removed
  • Glass or safety glazing material


Personal Liability Protection

Public Liability
Coverage for claims made against an insured person for bodily injury or property damage arising from accidents or injuries occurring on the premises for which the insured becomes legally obligated to pay due to personal acts

Medical Payments
Provides coverage for medical expenses that arise from accidents or injuries occurring on the insured premises

Damage to Property of Others
Covers property damage to property of others which you borrow or use

Additional Liability Coverages

  • Additional Insured
  • Additional Premises
  • Business Pursuits
  • Contractual Liability
  • Farm Landowners Liability
  • Home Day Care Provider
  • Incidental Agricultural Activities
  • Incidental Business Activities
  • Personal Injury
  • Residential Rental Property


Identity Theft Protection

With this policy, your household family members have free access to fraud specialists at Identity Theft 911®, a leader in identity management and fraud education.

They can assist you in preventing identity theft, replacing important documents and resolving any identity theft occurrences.

Home-Guard Select Policy

If your home qualifies, you will be eligible for the expanded coverages offered by the Home-Guard® Plus Policy. These additional coverages include:

  • Replacement cost for the dwelling
  • Replacement cost on the contents for named perils
  • Additional coverage endorsement
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